Gawo lofunikira la kufufuza kwa nyumba ndikudziwa momwe mungagwiritsire ntchito . Ngati mumapanga maofesi kuti muwone malo omwe mulipo omwe simunali nawo, mudzakhumudwa mukamapempha kuti mupezepo ndalama ndikupeza kuti simukupeza ndalama zokwanira. Pa mbali ya flip, simukufunanso kukhumudwa ngati mukuganiza molakwika kuti simungakwanitse kupeza mtundu wa nyumba yomwe mukufunadi.
Mwamwayi, pali zida zina zaulere zopezeka pa Intaneti zimene zingakuthandizeni kusankha momwe mungathere ndalama zambiri.
Zotsatira za pa Rent Rent
Olemba mapulogalamu apamwamba akupanga ndalama zowonetsera ndalama kuti akuwonetseni momwe mungagwiritsire ntchito ndalama zowononga mwezi uliwonse. Zowonjezera zambiri zimachokera ku ndalama zanu zamwezi zonse ndikuganiza kuti mutha kupeza ndalama zokwanira 20 mpaka 40 peresenti ya ndalama zanu. Nawa owerengera ochepa omwe amagwiritsa ntchito osuta kuti ayese:
- Domu's Rent Calculator: Werengolera uyu sakanakhala kosavuta kugwiritsa ntchito. Ingolowani ndalama zomwe mumapeza chaka chilichonse, musanapereke misonkho, ndipo mwamsanga mudzawona kuchuluka kwa lendi omwe mungathe. Pogwiritsa ntchito chiwerengero chimodzi, wolemba makinawa akupereka malire (20 peresenti ya ndalama zanu zonse), pakati pa msewu (30 peresenti ya ndalama zanu zonse), ndi mapeto (40 peresenti ya ndalama zanu zonse), pamodzi ndi ndondomeko yochepa za ubwino ndi zoipa za kuyenda njira iliyonse.
- Choyamba cha Apartment Guide's Rent Calculator: Ingolani ndalama zanu za mlungu ndi mlungu, maliekiti, kapena mwezi uliwonse ndikuwonetsanso ngati mukukhala pafupi ndi mzinda waukulu. Kenako, dinani kuti muone zomwe mungakwanitse. Mudzaphunziranso ndalama zowonetsera mwezi uliwonse kuti mukakhale mosangalala komanso ngati mukufunikira ogona nawo (ndi angati) kuti mulole lendi.
Fomu ya calculatoryi imachokera ku US Department of Housing and Development Development (HUD) zomwe zikusonyeza kuti banja siliyenera kugwiritsa ntchito zopitirira 30 peresenti ya ndalama zambiri pa lendi ndi zothandiza. Komabe, First Apartment Guide akuwonetsanso kuti anthu ambiri akhoza "kukhala bwino" kupereka gawo limodzi la 45 peresenti ya ndalama zawo zopezera lendi ndi zothandiza. Pansi pa tsambali, mudzapezanso ziwerengero zothandiza zokhudzana ndi zochitika zanu.
- Zillow Rent Affordability Calculator: Werenganitsa uyu amasonyeza kubwereka komwe kumagwirizana ndi bajeti yanu pokupempha kuti mulowere ndalama zanu (pambuyo pa msonkho). Oyang'anira katundu amangogwiritsa ntchito ndalama zambiri kuti ayenerere maudindo, choncho chida chikugwiritsira ntchito ndalama zanu pa msonkho pa 25 peresenti.
Kumvetsetsa Pakati pa Pakati pa Ndalama Zonse
Mwachidule, ndalama zambiri zimapereka malipiro anu onse, musanapereke msonkho kapena zina zotsala. Ndalama zamtengo wapatali ndizopindulitsa ndalama zambiri ndi msonkho wonse. Ngati muli ndi abwana (simuli ogwira ntchito), ndalama zomwe mumapeza zimakhala mtengo weniweni wanu. Mwa kuyankhula kwina, ndalama zowonjezera ndi ndalama zenizeni zomwe mumatha kuzigwiritsa ntchito.
Anthu ogulitsa nyumba amawonera ndalama zambiri akamavomereza zopempha zogona. Kuti muwerengere nokha, ndi bwino kuyang'ana phindu lanu lachindunji ndi kusankha momwe ndalama zanu ziyenera kukhalira pa lendi. Mwachitsanzo, ngati ndalama zanu zili ndi $ 3,000 pa mwezi ndipo simukufuna ndalama zoposa 30 peresenti ya ndalama zanu kubwereka, muyenera kuyang'ana nyumba yomwe imasowa madola 900 pa mwezi.